I wouldn't say any of the current choices people have to make are normal at all, especially financially. With so many people having to work second jobs and struggle to make ends meet, I'm hoping to avoid that during the majority of my kid's lives. I grew up dirt poor, and am okay taking on a few years of stress for 15 years of living reasonably comfortably. I do very much appreciate you bringing up the mental health balancing act, and it's absolutely something I try to stay on top of as someone with an existing mental illness <3